16397 Pinto Ridge
1 / 20

16397 Pinto Ridge

D

4S Ranch, CA 92127

$2,399,000
NEW — 1d

Beds

5

Baths

4.5

Sqft

3,977

Year Built

2003

Days on Market

1

Property Type

Single Family

HOA/mo

$105

MLS ID

260009393SD

This property is in 4S Ranch (92127). View neighborhood stats →

Virtual Tour

About This Property

Welcome to this dream residence in the highly coveted 4S Ranch community! This beautifully maintained, refined living space sits on a premium south-facing lot that bathes every room in warm natural light from morning to sunset. Step through the grand front door into a dramatic two-story foyer anchored by a sweeping circular staircase. The interior has been tastefully and extensively remodeled, highlighted by a show-stopping designer kitchen that represents a $100,000 investment in premium finishes, top-tier appliances, expansive counter space, and custom cabinetry. Bathrooms have been thoughtfully updated with modern fixtures, luxurious finishes, and spa-like details. The open floor plan flows effortlessly from formal living and dining areas to expansive family spaces, creating the perfect setting for entertaining. Host overnight guests in their own downstairs, private bedroom with full bathroom. Outside, enjoy your own private oasis featuring a stunning water fountain and built in BBQ kitchen island surrounded by a newly completed walking path lined with mature fruit trees, lush shrubs, and vibrant landscaping. Practical luxury continues with an owned solar system, a 3-car garage upgraded with extensive built-in storage solutions, and a whole-home soft water system paired with reverse osmosis. Perfectly located in one of San Diego’s most desirable master-planned neighborhoods, this turn-key home combines timeless curb appeal, high-end updates, and thoughtful upgrades that make it truly move-in ready.

Mortgage Calculator

Est. Monthly Payment

$15,334

Principal & Interest$12,131
Property Tax$2,399
Insurance$700
HOA$105
%($479,800)
%

Location

Loading map...

Investment Score

4D
Est. Monthly Rent
$7,795
Monthly Cashflow

Rent − PITIA

$-7,540
Full Cashflow

Incl. vacancy, PM, maint, capex

$-11,332

Mortgage (P+I)
$12,131
Cap Rate
0.40%
Cash-on-Cash
-28.34%
DSCR

Need ≥ 1.25 for DSCR loan

0.51
Break-even Rent
$22,511

NOI (Annual)
$9,588
Price-to-Rent

Lower = better for investors

25.6

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

Get Expert AnalysisOpen Full Calculator